My Investments 06/2022 (Are We Going Lower?)

Sorry about the large delay everyone, our move to a larger apartment and all the renovation work has been a lot more time-consuming than I had anticipated.

As a result, my monthly write-up is a bit more concise than usual. You’ll be able to see more details in my video from July 13th:

That being said, let’s review how my investments in P2P lending, ETFs and crypto performed in June.

And yes, I know it’s basically time for my July update already so you’ll see a lot more content soon!

Please don’t forget that none of this is investment advice, just my personal opinion based on my own experience as an investor.

ETFs

Sadly it looks like the stock market decline is not quite over yet (spoiler: July was a lot better!).

Here’s how our main ETF, the Accumulating Vanguard FTSE All-World performed:

• -5,5% in June
• -12,69% since the start of 2022

If you want to see my thoughts about the market right now and some historical ETF data, make sure you check out this post:

• ETFs Keep Dropping – Do This Now

Hopefully it will help put things into perspective.

Dividends!

We still own some distributing ETF shares in the Vanguard FTSE All-World and the MSCI World, which we purchased from 2017-2020, before making the switch to the accumulating FTSE All-World.

In June, those two ETFs paid us a total of 678€ in dividends.

As I mentioned in the past, I prefer accumulating ETFs for simplicity and to save a bit on taxes long-term. But psychologically, it’s still nice to actually see dividends being paid out to your account when the market is down. This part of the video may help you understand what I mean.

With an accumulating ETF they’re reinvested right away into more shares of the stocks within the index.

Kinda funny how my theoretical example of the stock market crashing in 2022 actually came true. Let’s hope the second part also happens and the market does indeed recover and reach new highs by next year.

• If you’re looking for the best, low-cost brokers in Europe to get you started on your investment journey into stocks or ETFs, I recommend checking out Interactive Brokers and Degiro.
• And if you’re based in Austria or Germany, where taxes are more complicated, make sure you check out my favorite local brokers here. These take care of everything for you, making your life a lot easier.

P2P Lending

Ok, let’s move on to P2P lending, the second largest position in my investment portfolio.

While pretty much every other investment has been crashing since the start of 2022, my investments in P2P lending have been chugging along smoothly overall.

Mintos

• Income (June 2022): 9,02€
• IRR: 10,92%
• Invested since: 27.09.2018

So, a few things happened on Mintos.

My earnings were lower than usual, because 27€ which were in recovery from Cashwagon Indonesia were counted as unrecoverable bad debt and subtracted from my account balance.

Not only that, Mintos added 165€ (which I had in Russian loans) to funds in recovery, until they find a solution to transfer payments from Russia to European investors.

Since July 1st you can now only invest into loans in the form of regulated notes on Mintos. So you might have to review your auto invest.

Make sure you check out my last monthly update for more info on notes and how to reduce the withholding tax on the platform.

Viainvest

• Income (June 2022): 49,89€
• IRR: 12,23%
• Invested since: 11.10.2019

June was my best month ever on Viainvest, with almost 50€ in earnings.

That’s probably because I sold some older loans back to Viainvest to take advantage of their last auto invest cashback campaign and due of their recent interest rate increase.

The platform’s transition to asset-backed securities, similarly to Mintos, was planned for the 1st of July, but they seem to have a bit of a delay.

Still, that’s understandable, Mintos also took way longer than planned to fully implement the new regulations.

Right now, you can still invest into individual loans, just as before.

• Get a 10€ signup bonus on Viainvest via my link.

Lendermarket

• Income (June 2022): 42,05€
• IRR: 14,42%
• Invested since: 21.11.2019

Robocash

• Income (June 2022): 36,31€
• IRR: 12,29%
• Invested since: 19.01.2021

Iuvo Group

• Income (June 2022): 16,96€
• IRR: 11,28%
• Invested since: 05.10.2018

Iuvo Group announced that it is moving its registration to Bulgaria, where most of its employees and its holding group, the Management Financial Group are based.

• Get 0,75% cashback on your Iuvo Group investments after 60 days when signing up via my link.

Bondster

• Income (June 2022): 23,96€
• IRR: 11,39%
• Invested since: 25.01.2022

June was an excellent month on Bondster, especially considering that I have 29% of my funds in bitcoin backed loans by ACEMA.

These only pay 10% per year and pay the entire interest amount at the end of the loan term, but you can’t find these anywhere else and in my personal opinion, they provide an excellent risk/reward.

• Get 1% cashback on your investments on Bondster within the first 90 days by signing up via my link.

Income Marketplace

• Income (June 2022): 15,35€
• IRR: 11,76%
• Invested since: 17.03.2022

Income Marketplace has also been running smoothly, with the platform adding two new loan originators recently: The ITF Group from Bulgaria and Juancho Te Presta from Colombia.

Interestingly, you can find both of these lending companies on Bondster as well at a slightly higher interest rate – the difference is, these loans are offered with some extra protection for investors on Income, like the junior share of 10-30% and Income’s cashflow buffer.

Then again, we have yet to see how well these mechanisms really work in practice (eg. a listed loan originator going bankrupt).

I added both new lending companies to my auto invest on Income marketplace.

• Get a 1% bonus on all of your investments on Income after 30 days using this link. You can add the referral code: I4IEMZ during signup, but it’s not needed to qualify for the offer, as long as you’re using one of my links.

Crowdestor

• Income (June 2022): 15,77€
• IRR: 7,78%
• Invested since: 03.04.2019

I’m still withdrawing any funds I receive on a monthly basis from Crowdestor. Steer clear of this platform, it’s not worth the trouble.

Bondora Go & Grow

• Income (June 2022): 20,96€
• IRR (incl. withdrawals): 6,70%
• Invested since: 01.09.2018

My Income From P2P Lending in June

Platform	Income	IRR	Invested	Value
Mintos	9,02€	10,92%	3.353€	6.101€
Lendermarket	42,05€	14,42%	2.513€	3.582€
Viainvest	49,89€	12,23%	2.737€	3.551€
Robocash	36,31€	12,29%	3.250€	3.758€
Iuvo Group	16,96€	11,28%	1.562€	2.819€
Bondster	23,96€	11,39%	2.000€	2.095€
Income	15,35€	11,76%	1.500€	1.566€
Bondora Go&Grow	20,96€	6,70%	3.400€	3.914€
EvoEstate	0€	6,59%	214€	300€
Crowdestor	15,77€	7,78%	4.734€	6.055€
Total	230,27€		25.263€	33.741€

I earned a total of 230,27€ from P2P lending in June.

According to Portfolio Performance, the free tool I use to track my investments, that’s a return of 0,69% for the month and an internal rate of return of 8,58% p.a. from P2P lending in 2022.

Bitcoin & Ethereum

Let’s get to the most speculative 10% of my portfolio, Bitcoin and Ethereum.

Sadly, both of them continued their decline in June (July was way better!).

Bitcoin:

• -44% in June
• -56% so far in 2022

Ethereum:

• -44% in June
• -70% so far in 2022

The market is clearly in risk-off mode right now. Personally, I’m treating these two as long-term investments as well and I’m confident things will turn around at some point not only in the stock market, but crypto as well.

I’ve still been using FTX exclusively to lend out some crypto and cash, generating 92€ in income last month:

And that wraps it up for my investments in June! Now I can finally focus on creating new videos and posts!

You might enjoy these articles:

• ETF Investing for Europeans in 2022 (Incl. Broker Tutorials)
• My TOP 3 Investments For 2022 (Yearly Returns & Outlook)
• Viainvest – 2 Years Later
• The Stock Market is Crashing – What Now? (ETF Investor)
• Lendermarket – 2 Years Later